Has anyone developed a anti-spam plugin to simply allow users to BLOCK whatever they wish to, but one that will also go easy on IP addresses?

…is there any other plugin out there that will do EXACTLY this

Not a plugin, but yes – this is the standard behavior of the comment moderation system in WordPress.

BUT if ANY user visits bob.com and posts a comment containing the
blocked email, website url or any other blocked material, then the IP
of that user will be blocked for a day, and the comment will not go
through

It helps, but doesn’t completely eliminate spam posts. The same spammer can use a different e-mail address or website just like he can use a different IP. The victim still needs to black-list keywords as he gets new spam.

Here are some standard solutions for limiting spam:

  1. Akismet (I think it’s a paid service now)

    • it’s kind of like heuristic analysis in AVs; compares the newly submitted comment with a spam database. I don’t know how efficient is now, but I used it in the past and got a lot of false positives, and some spam went trough

  2. A captcha system (reCaptcha seems to be the best)

    • 100% effective against automated spam, but some find it obtrusive (it’s completely ineffective for manual spam)

  3. Honeypots

    • 100% effective for automated and non-targeted spam, completely ineffective for automated targeted and manual spam, but it’s unobtrusive for users

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